Does a Bank have to get guarantors to sign / initial the Reg B evidence of intent disclosure?

no

Do we have to make any changes? This is confusing to our loan department and officers. If two individuals complete a joint application, isn't that sufficient?

The difference here is if they are a borrower/applicant or a guarantor helping to shore up someone elses app. They have different definitions and can receive different disclosures.

I don't think there is a problem giving more than is necessary in most cases, however. Nothing comes to mind that would be prohibitive, anyone else?

I guess I am unclear as to the "new" requirements of the regulation. Can someone easily summarize new requirements? Thanks

You can search the Lending threads in the last year for "joint +intent", sans quotes or just on "joint" and narrow the poster to "David Dickinson".